another direction here, when you look at recent ipo of a bank in mexico, as an example, you know, i've heard several investors make the argument that citi may not be getting full credit for the assets it holds. are you willing to consider actions to unlock value that may have been off limits by prior management? >> i think that, you know, i'm coming into the job, and what i've said, i'm going to take a look and a fresh assessment of things. i'll look at those things and see what the numbers say and what that means, then we'll make decisions from there. >> okay. okay. last one for me, taking maybe a step back, you know, at a really high level -- and i probably should have started with this one. what do you expect maybe to do differently than prior management? i know you mentioned you're not going to take any dramatic change of strategic direction, but is there going to be a change of focus? is it going to become -- you know, now that the ship feels more righted, that there will be a focus on becoming more of an operator versus, you know, the roll-up that citi had a reputation of? >>